1998 Toyota Sienna Car Insurance Rates

Wish you could get out of high-priced car insurance? Don’t sweat it because there are lots of residents who feel the same. Many insurers compete for your hard-earned dollar, so it’s not easy to compare every company to find the best price available.

How much does insurance coverage cost?

Finding a lower price on 1998 Toyota Sienna insurance doesn’t have to be difficult. All you need to do is take a few minutes getting comparison quotes from online providers. Shoppers can get rates using a couple different methods.

1. The first (and easiest) way to get the best comparison quotes is a comparison rater form click here to open form in new window. This easy form eliminates the need for separate quote forms for each company. Taking the time to complete one form will return quotes from multiple low-cost companies.
2. A less efficient way to shop for insurance coverage online requires a trip to the website for each individual company and fill out their own quote form. For examples sake, we’ll pretend you want to view quotes from Auto-Owners, State Farm and GMAC. To do that, you would have to navigate to each company’s site and enter your information, which can get rather old.

   For a list of links to companies insuring cars in your area, click here.

Take whichever approach you prefer, but be sure to compare apples-to-apples coverage limits on every quote you get. If you use higher or lower deductibles then you won’t be able to make a fair comparison for your Toyota Sienna.

Lower rate quotes by taking advantage of discounts

Insurance coverage is not an enjoyable expense, but discounts can save money and there are some available that could drop your premiums quite a bit. Certain credits will be shown when you purchase, but once in a while a discount must be asked for prior to getting the savings. If you don’t get every credit available, you may be paying too high a price.

• Senior Discount – Drivers that qualify as senior citizens could receive better insurance coverage rates for Sienna insurance.
• No Claim Discounts – Good drivers with no accidents are rewarded with significantly better rates on insurance coverage quote compared to frequent claim filers.
• College Student – who attend college more than 100 miles from home and do not have a car can be insured at a reduced rate.
• Telematics Discount – Insureds who allow their company to look at driving habits by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if they exhibit good driving behavior.
• Driver Education Discount – Cut your cost by having your teen driver successfully complete driver’s ed class as it will make them better drivers and lower rates.
• Drive Safe and Save – Insureds who avoid accidents can save up to 40% or more on their insurance coverage quote for Sienna insurance as compared to drivers with claims.
• Good Student – A discount for being a good student can be rewarded with saving of up to 25%. Most companies allow this discount until age 25.
• Professional Organizations – Being in certain professional organizations could trigger savings when getting a insurance coverage quote.
• Early Switch Discount – A few companies offer discounts for switching companies before your current policy expires. You may see this discount when you get insurance coverage quotes online.
• Auto/Home Discount – If you insure your home and vehicles and insure them both with the same insurance company you could save at least 10 to 15 percent or more.

Consumers should know that most discounts do not apply to the overall cost of the policy. Most only apply to individual premiums such as liability and collision coverage. Just because you may think you would end up receiving a 100% discount, it just doesn’t work that way.

To choose insurance coverage companies who offer discounts, follow this link.

How much auto insurance do I need?

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is no best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. For example, these questions could help you determine if you may require specific advice.

• What is covered by UM/UIM coverage?
• Can my babysitter drive my car?
• Do I pay less for low miles?
• Are split liability limits better than a combined single limit?
• How much can I save by bundling my policies?
• Which companies will insure high-risk drivers?
• Are rental cars covered under my policy?
• Is borrowed equipment or tools covered if stolen or damaged?
• How high should my uninsured/underinsured coverage be in my state?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

What car insurance coverages do you need?

Learning about specific coverages of your policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are typical coverages available from car insurance companies.

Coverage for collisions

Collision coverage will pay to fix damage to your Sienna from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as backing into a parked car, crashing into a building, colliding with another moving vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

This provides protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your Toyota Sienna.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Liability coverages

Liability insurance provides protection from injuries or damage you cause to other people or property by causing an accident. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like loss of income, court costs, pain and suffering, attorney fees and funeral expenses. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Comprehensive coverages

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from flooding, vandalism and fire damage. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical payments

Med pay and PIP coverage pay for immediate expenses for things like dental work, surgery, rehabilitation expenses, nursing services and hospital visits. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay